BlastPoint's Banking Scorecard
First State Bank of Van Orin
Designations: ✓ Community bank
Van Orin, IL
2 branches across IL
First State Bank of Van Orin has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.02% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.30% below tier average
- - ROA 0.31% below tier average
- - Delinquency Rate 1.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.9M
-11.8% YoY
-2.6% QoQ
|
-$21.4M |
$62.3M
-0.5% YoY
|
$2.3B
+4.2% YoY
|
$6.2B
+9.0% YoY
|
23% |
| Total Loans ? |
$11.3M
-2.3% YoY
+2.3% QoQ
|
-$23.0M |
$34.3M
-1.5% YoY
|
$1.2B
+5.0% YoY
|
$3.2B
+10.7% YoY
|
Bottom 12.5% in tier |
| Total Deposits ? |
$36.3M
-14.5% YoY
-3.1% QoQ
|
-$15.6M |
$51.8M
-0.6% YoY
|
$1.9B
+3.6% YoY
|
$4.8B
+8.0% YoY
|
26% |
| Return on Assets ? |
0.54%
-7.7% YoY
-8.0% QoQ
|
-0.31% |
0.86%
-3.6% YoY
|
1.04%
+2.4% YoY
|
1.24%
+13.1% YoY
|
31% |
| Net Interest Margin ? |
2.57%
+3.5% YoY
-6.4% QoQ
|
-1.30% |
3.87%
+2.7% YoY
|
3.61%
+7.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.2% in tier |
| Efficiency Ratio ? |
77.61%
+14.9% YoY
+6.1% QoQ
|
-10.02% |
87.63%
+2.3% YoY
|
63.68%
-7.1% YoY
|
66.84%
-3.8% YoY
|
38% |
| Delinquency Rate ? |
2.74%
+98.8% YoY
|
+1.38% |
1.36%
+33.7% YoY
|
1.15%
+15.2% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.3% in tier |
| Loan-to-Deposit Ratio ? |
31.08%
+14.4% YoY
+5.5% QoQ
|
-33.03% |
64.11%
-0.9% YoY
|
71.92%
+0.7% YoY
|
76.69%
+0.9% YoY
|
Top 10.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.77%
-1.4% YoY
+4.8% QoQ
|
-9.02% |
23.79%
+0.5% YoY
|
20.45%
-1.0% YoY
|
22.01%
-1.1% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.76%
+120.2% YoY
|
-0.02% |
0.77%
+28.7% YoY
|
0.78%
+18.6% YoY
|
0.66%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
27.43%
+11.1% YoY
+0.1% QoQ
|
+0.66% |
26.77%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.05%
+31.2% YoY
-71.8% QoQ
|
-0.62% |
0.67%
+1.6% YoY
|
0.34%
+6.6% YoY
|
0.32%
+4.0% YoY
|
46% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.